The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,906
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$407/mo
Today · 4.125%
HK$13,715
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,430/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,743
−HK$391/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,487
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$490/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,460
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$468/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$958/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,069
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$571/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$547/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,231
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$734/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,502/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,844
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,537
−HK$704/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,349 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).